Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$235,867Cash toward the purchase price.
Closing costs + prepaids$18,746Not just lender fees.
Before credits & paid funds$254,613The complete starting cash picture.
Estimated remaining funds due at closing
$254,613No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,867.22
Your down payment$235,867.22
Closing costs + prepaids$18,745.58
Total buyer cash needed$254,612.81
Remaining funds due$254,612.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,420.66
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$115.00
Prepaid interest, first (31 days)$2,791.92
Fees + prepaids$18,745.58
Your down payment is the seller’s equity. You take over the $484,133 balance, so the rest of the $720,000 price is paid at closing. A second mortgage can cover part of it. $254,612.81 is due at closing. Uses and sources reconcile at $738,745.58 each. Not a Closing Disclosure.